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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $807,195 | $190,843+323.0% | $159,981+404.6% | $134,493+500.2% |
| Participation rate | 100.0% | 81.9%+18.1pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -12.85% | 552.37%-565.2pp | 408.70%-421.5pp | 418.01%-430.9pp |
| Employer contribution / active EE | $4,414 | $4,993-11.6% | $4,224+4.5% | $4,740-6.9% |
| Participant deferral / active EE | $10,376 | $6,923+49.9% | $6,182+67.8% | $6,400+62.1% |
| Admin fee / account holder | $25,661 | $10,475+145.0% | $8,700+194.9% | $11,425+124.6% |